Ford Expedition Insurance Rates

When the time comes to start comparing Ford Expedition insurance rates, you may not know where to begin. The first thing you should know is that the average Ford Expedition insurance costs about $1,320 a year, which boils down to about $110 per month.

This comprehensive guide will walk you through exactly how Ford Expedition rates are calculated so you can have a firm understanding of what to expect before you start shopping around. It’s also important to keep the year of the model and trim level in mind; one example being a 2009 Ford Expedition SSV.

When you’re ready, you can start comparing Ford Expedition insurance quotes from multiple companies by taking advantage of our free online tool.

U.S. average insurance rates for a Ford Expedition are $1,286 a year including full coverage. Comprehensive insurance costs around $306 each year, collision insurance costs $506, and liability costs $338. Liability-only coverage costs as little as $394 a year, and high-risk coverage costs $2,770 or more. Teenage drivers pay the highest rates at up to $4,682 a year.

Average premium for full coverage: $1,286

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Expedition models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

The ranges above highlight why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down average Ford Expedition insurance rates for additional coverage choices and driver risks.

• The best discount rate is $739
• Drivers who choose higher $1,000 deductibles will pay about $182 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,286
• Using low deductibles for comprehensive and collision insurance will cost an extra $358 annually
• Drivers who are prone to accidents and violations could pay at least $2,770
• The price for full coverage for a 16-year-old driver can be $4,682 a year

View Chart as Image

Auto insurance prices for a Ford Expedition are also quite variable based on your driving record, the model of your Expedition, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

The state you live in makes a big difference in Ford Expedition insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $540 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost from 45% to 130% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Ford Expedition Insurance

Getting lower rates on insurance for a Ford Expedition not only requires being a good driver, but also having good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a quick review of the primary concepts that were touched on in the above illustrations.

• You may be able to save up to $160 per year just by quoting online in advance
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,480 more every year than a safer driver
• Increasing physical damage deductibles can save around $550 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $390 a month if they have full coverage

Now that you have a better understanding of how an individual driver’s rates are determined, the next step is to compare Ford Expedition insurance rates from multiple providers. When you’re ready, feel encouraged to use our free quote tool below.

What are the Ford Expedition safety ratings?

The cost of insurance on a Ford Expedition can vary depending upon the safety ratings and features of the particular model you drive.

Since the Ford Expedition has not been officially tested by the Insurance Institute for Highway Safety (IIHS), take a look at the following safety features that come standard for this model.

• Electronic Stability Control (ESC)
• ABS And Driveline Traction Control
• Side Impact Beams
• Dual Stage Driver And Passenger Seat-Mounted Side Airbags
• Tire Pressure Monitoring System Low Tire Pressure Warning
• Dual Stage Driver And Passenger Front Airbags
• Curtain 1st And 2nd Row Airbags
• Airbag Occupancy Sensor
• Rear Child Safety Locks
• Outboard Front Lap And Shoulder Safety Belts
• Back-Up Camera

All of these safety features go a long way to help reduce the overall cost of insurance for a Ford Expedition, so be confident as you begin shopping for a policy.

Ford Expedition Compared Against Other Vehicles in the Same Class

Experts from the IIHS classify the Ford Expedition as a large SUV. Other similar models include the following:

• Dodge Durango
• GMC Yukon
• Nissan Armada

When providing you with a quote, insurance companies will consider the loss percentages of the Ford Expedition as it compares to other similar models in this class, like the three shown above. 

The good news is that the Ford Expedition reflects a property damage liability loss percentage of -54 percent, which is one of the best in its class.

Now that we have gone into great detail about how Ford Expedition insurance rates are calculated, is there anything we might have missed? If not, start comparing Ford Expedition quotes from top companies by taking advantage of our free online tool.